Call reports 2011
BUSINESS BANK, THE — 2011
What BUSINESS BANK, THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 328,655,000 | 308,259,000 | 303,331,000 | 311,032,000 |
| Total loans | 254,297,000 | 241,361,000 | 233,984,000 | 214,654,000 |
| Allowance for loan losses | 4,490,000 | 4,798,000 | 4,924,000 | 3,906,000 |
| Securities available for sale | 34,068,000 | 35,312,000 | 33,449,000 | 32,765,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 292,398,000 | 272,891,000 | 268,981,000 | 276,807,000 |
| Interest-bearing deposits | 264,361,000 | 246,522,000 | 242,032,000 | 249,512,000 |
| Noninterest-bearing deposits | 28,037,000 | 26,369,000 | 26,949,000 | 27,295,000 |
| Equity capital | 31,887,000 | 32,429,000 | 31,764,000 | 31,712,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,808,000 | 7,435,000 | 10,882,000 | 14,210,000 |
| Interest expense | 1,357,000 | 2,624,000 | 3,807,000 | 4,952,000 |
| Net interest income | 2,451,000 | 4,811,000 | 7,075,000 | 9,258,000 |
| Noninterest income | 68,000 | 76,000 | -547,000 | -496,000 |
| Noninterest expense | 1,383,000 | 2,833,000 | 4,720,000 | 6,043,000 |
| Provision for loan losses | 450,000 | 900,000 | 1,844,000 | 2,844,000 |
| Pretax income | 686,000 | 1,154,000 | -36,000 | -109,000 |
| Income tax | 249,000 | 430,000 | -11,000 | -88,000 |
| Net income | 437,000 | 724,000 | -25,000 | -21,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,620,000 | 31,907,000 | 31,158,000 | 31,163,000 |
| Total capital | 34,973,000 | 35,089,000 | 34,234,000 | 33,989,000 |
| Risk-weighted assets | 267,175,000 | 254,440,000 | 244,848,000 | 225,663,000 |